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Wed Dec 19, 2012, 12:38 AM

 

Do you think "Firearm Insurance" would be cheap, decently affordable, or prohibitively expensive? [View all]

I've seen the concept of mandating that owners of death-spewers and public toters have some sort of special firearm insurance. I assume the concept is to insure against the damages caused to society by guns and the ensuing lawsuits that follow. I kind of the idea has technical merit, a defined goal, and would be easy to legislate effectively to achieve it's goal. Fines for gun owners who fail to show proof of insurance and stiff additional mandatory penalties for people who harm society with a gun and without the insurance.

So I got to thinking about it quantitatively. I imagine coverage would range in price depending on frequency of firearm usage (recreational versus daily carrier), amount and type of professional training and certifications, and prior criminal records and unlawful tendencies. Perhaps have premium discounts for things like trigger locks and gun safes. To achieve it's goal in aiding society, coverage would pretty much HAVE to cover all incident whether accidental or criminal... insurance companies would not be allowed to shirk indemnity payments because a nut went off the deep end. I have no idea what monetary damages are caused by guns in america annually, but I have seen stats saying there's about 80,000,000 gun owners. So I think that, given the sheer numbers of owners, that it would remain affordable, if not cheap. Even if the annual monetary damages were in the tens of billions, that's only up to a thousand or so dollars per person.

What do you think?
More importantly, would such an mandate be considered an infringement?

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